I am trying my best to reduce my outgoings and put money aside for the future. Can anyone give me any advice or other tips on how not to spend so much!! Am I best off putting most things on a no interest credit card and swapping this to another card if it is not paid off in time and putting any available cash in my savings account or paying off credit cards first then saving after but leaving myself with no back up if ever needed
Hi set up a monthly direct debit into a cash ISA, National Savings is a good one with consistant high rates of interest. If you set up your direct payment for the day you get paid each month then you won't get the chance to spend your cash and it will soon build up.